Applications / Mortgage Analytics / Lenders / Kentucky / Bank of the Bluegrass and Trust Company
Lexington, KY · State non-member bank · FDIC · $393 million assets · 82 loans in 2025
Bank of the Bluegrass and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
82
loans originated, 2025
121
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of the Bluegrass and Trust Company, a Lexington bank, makes far bigger loans than similar lenders, and its loan count rose 41% in 2025, to 82.
Its typical loan was $305,000, against $172,500 at similar lenders (state non-member banks making between half and twice as many loans), higher than more than four in five of them. It made as many loans as a typical peer but lent about twice as much: $44.9 million against $22.5 million.
Originations rose from 58 to 82, while similar lenders grew 9% and the whole market 10%, faster than about four in five peers. Purchases were 52.4% of its loans. It filed no HMDA report for 2020 to 2022, a gap in the record.
Borrowers with low and moderate incomes (LMI) took 7.1% of its loans, against 27.7% at peers, among the lowest tenth. Given its larger loans, it may serve more higher-income borrowers. Yet LMI neighborhoods took 29.3%, against 18.5%, more than at about three in four peers.
In Lexington-Fayette it ranked 30 of 389 lenders with 1.0%, up 0.3 points from 0.7%. Guardian Savings Bank and Rocket Mortgage led that market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Bank of the Bluegrass and Trust Company took 121 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.4% · Refinance 43.9% · Home improvement 2.4% · Other 1.2%
Conventional 100.0% · of 82 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 81 | 98.8% |
| Florida | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 69 |
| Elizabethtown | 1 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FORCF9PNPUG275 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1006513 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 321161 | 1990–2017 |
Established 10 April 1972. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of the Bluegrass and Trust Company's data.
Bank of the Bluegrass and Trust Company's data
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Bank of the Bluegrass and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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